Instant bank account crediting via a bill-validating depositing system

ABSTRACT

Briefly, example methods, apparatuses, and/or articles of manufacture are disclosed that may be implemented, in whole or in part, using one or more computing devices to facilitate and/or support one or more operations and/or techniques for instant bank account crediting via a bill-validating depositing system, such as a smart safe, for example.

CROSS-REFERENCE TO RELATED APPLICATIONS

This application claims the benefit of and priority to U.S. ProvisionalPatent Application Ser. No. 62/189,666, entitled “PROCESS FOR PROVIDINGINSTANT BANK CREDIT 24/365 INTO AN ACCOUNT FOR CASH DEPOSITED INTO AREMOTE BILL-VALIDATING SMART SAFE,” filed on Jul. 7, 2015, which isassigned to the assignee hereof and which is expressly incorporatedherein by reference.

BACKGROUND

1. Field

The present disclosure relates generally to finance systems, and moreparticularly, to instant bank account crediting via a bill-validatingdepositing system, such as a smart safe, for example.

2. Information

Current provisional credit services, also known as remote cash captureservices utilizing bill-validating depositing systems, such as smartsafes, for example, may provide provisional credit deposits once a day,typically within twenty-four to ninety-six hours after cash has beendeposited into a particular smart safe. At times, these or likeprovisional credit services may involve a third-party service, such asto affect a deposit, for example. In addition, these or like provisionalcredit services may not be capable of providing instant credit for cashdeposited into their remote depositing systems, such as smart safes, forexample. As such, customers of current provisional credit services maybe forced to wait for a certain time period, such as typically betweentwenty-four to ninety-six hours, for example, to receive credit fordeposited cash. This may also prevent customers from earning interestwithin such a time period, from accessing and/or using cash with avariety of services, such as on-line banking, for example, or the like.In addition, current provisional credit services may charge a fee fordeposit-related receipts and/or reports, which may be included on top ofan overall monthly fee, for example. Greater flexibility for businessesand/or individuals with respect to accessing cash deposited into cashcapture depositing systems, such as remote bill-validating smart safes,for example, may, therefore, be desirable.

BRIEF DESCRIPTION OF THE DRAWINGS

Claimed subject matter is particularly pointed out and distinctlyclaimed in the concluding portion of the specification. However, both asto organization and/or method of operation, together with objects,features, and/or advantages thereof, it may best be understood byreference to the following detailed description if read with theaccompanying drawings in which:

FIG. 1 is a schematic diagram illustrating features associated with animplementation of an example use case or scenario for instant bankaccount crediting using a remote bill-validating depositing system.

FIG. 2 is a flow diagram illustrating an implementation of an exampleprocess for instant bank account crediting using a remotebill-validating depositing system.

FIG. 3 is a schematic diagram illustrating an implementation of acomputing device that may be employed in a client-server typeinteraction.

Reference is made in the following detailed description to accompanyingdrawings, which form a part hereof, wherein like numerals may designatelike parts throughout that are corresponding and/or analogous. It willbe appreciated that the figures have not necessarily been drawn toscale, such as for simplicity and/or clarity of illustration. Forexample, dimensions of some aspects may be exaggerated relative toothers. Further, it is to be understood that other embodiments may beutilized. Furthermore, structural and/or other changes may be madewithout departing from claimed subject matter. References throughoutthis specification to “claimed subject matter” refer to subject matterintended to be covered by one or more claims, or any portion thereof,and are not necessarily intended to refer to a complete claim set, to aparticular combination of claim sets (e.g., method claims, apparatusclaims, etc.), or to a particular claim. It should also be noted thatdirections and/or references, for example, such as up, down, top,bottom, and so on, may be used to facilitate discussion of drawings andare not intended to restrict application of claimed subject matter.Therefore, the following detailed description is not to be taken tolimit claimed subject matter and/or equivalents.

DETAILED DESCRIPTION

References throughout this specification to one implementation, animplementation, one embodiment, an embodiment, and/or the like meansthat a particular feature, structure, characteristic, and/or the likedescribed in relation to a particular implementation and/or embodimentis included in at least one implementation and/or embodiment of claimedsubject matter. Thus, appearances of such phrases, for example, invarious places throughout this specification are not necessarilyintended to refer to the same implementation and/or embodiment or to anyone particular implementation and/or embodiment. Furthermore, it is tobe understood that particular features, structures, characteristics,and/or the like described are capable of being combined in various waysin one or more implementations and/or embodiments and, therefore, arewithin intended claim scope. In general, of course, as has always beenthe case for the specification of a patent application, these and otherissues have a potential to vary in a particular context of usage. Inother words, throughout the disclosure, particular context ofdescription and/or usage provides helpful guidance regarding reasonableinferences to be drawn; however, likewise, “in this context” in generalwithout further qualification refers at least to the context of thepresent patent application.

Some example methods, apparatuses, and/or articles of manufacture aredisclosed herein that may be used, in whole or in part, to facilitateand/or support one or more operations and/or techniques for instant bankaccount crediting via a bill-validating depositing system, such as asmart safe, for example. As was indicated, these or like operationsand/or techniques may, for example, be implemented, in whole or in part,in connection with one or more provisional credit deposit services, suchas via one or more computing and/or communication networks and/orprotocols (e.g., network protocols) discussed herein. In this context,“bill-validating smart safe” or simply “smart safe” refers to one ormore currency depositing and/or withdrawing systems and/or devicescapable of capturing, validating, counting, and/or withdrawing cash orcurrency, such as banknotes and/or coins of various denominations, forexample, for purposes of a deposit and/or withdrawal, bank-related orotherwise, and/or one or more other credit-related transactions. In someinstances, a smart safe may be located remotely from a bank or likefinancial entity. For example, in at least one implementation, a smartsafe may be located at a business or merchant's location (e.g., in alobby, vault, safe room, behind the counter, etc.). At times, a smartsafe may, for example, comprise or be in the form of an automated tellermachine (ATM), envelope-free or otherwise. Claimed subject matter is notso limited, of course. The terms “provisional credit deposit service,”“provisional credit service,” “provisional cash service,” or the likemay be used interchangeably herein.

As alluded to previously, one or more operations and/or techniquesdiscussed herein may, for example, be used, in whole or in part, toprovide instant bank credit into an account for cash deposited into abill-validating smart safe, which may provide advantages. For example,in some instances, an amount of money equal to cash deposited into asmart safe may be instantly available for withdrawal at one or morelocations, such as in real time or near real time, as will also be seen.In this context, “real time” refers to an amount of timeliness ofon-line transactions, deposit-related or otherwise, which may have beendelayed by, for example, an amount of time attributable to electroniccommunication and/or signal processing. By way of example but notlimitation, cash deposited into a smart safe in San Francisco at 1:30 PTmay, for example, be withdrawn the same day from an automated tellermachine (ATM) in New York at 4:31 AT, such as right after the depositoccurred, for example. Again, claimed subject matter is not limited tothis particular withdrawal, of course. As used herein, “on-line” refersto a type of a communication that may be implemented electronically,such as via one or more suitable communications networks (e.g.,wireless, wired, etc.), for example.

As was also indicated, current provisional credit services, such asremote cash capture services utilizing off-site bill-validating smartsafes, for example, may typically provide provisional credit depositsonce a day, such as between twenty-four to ninety six hours after cashhas been deposited into a particular smart safe, as one particularexample. In some instances, these lengthy time delays between depositsand actualization of cash deposited may not be desirable (e.g., toolong, etc.) or useful for many businesses and/or individuals. At times,these or like provisional credit services may also involve a third-partyservice, such as to affect a deposit, for example, which may increasecosts, and also may not be capable of providing instant credit for cashdeposited into their smart safes. In particular, current provisionalcredit services may typically give credit for cash deposited into asmart safe once per day, for example, and on business days, meaning thaton weekends and/or holidays cash deposits are typically credited thenext business day, which may be any number of days. As was mentionedpreviously, this delay may not be desirable for customers, may preventcustomers from earning interest on deposited cash, may prevent customersfrom paying invoices with on-line bill paying, or the like. Accordingly,it may be desirable to develop one or more methods, systems, and/orapparatuses that may facilitate and/or support providing instant depositcredits, such as in real or near real time, for example, every day ofthe year, including weekends and/or holidays, directly into a bankaccount of interest for cash deposited into a remote bill-validatingdepositing system, such as a smart safe.

Referring now to FIG. 1, which is a schematic diagram illustratingfeatures associated with an implementation of an example use case orscenario of an operating environment 100 that may be used, in whole orin part, to facilitate and/or support one or more operations and/ortechniques for instant bank account crediting via a bill-validatingdepositing system, such as a smart safe, for example. These one or moreoperations and/or techniques may, for example, be implemented, in wholeor in part, via one or more computing and/or communication networks,such as one or more wireless networks, wired networks, or anycombination thereof, as will be discussed in greater detail below. Itshould also be noted that, even though a certain number of particularentities, systems, features, etc. are illustrated, any number ofsuitable entities, systems, features, etc. may be implemented herein. Itshould also be understood that there may be one or more equivalententities, systems, features, etc. that may be substituted herein, suchas without deviating from the scope of claimed subject matter. Also,depending on an implementation, a single-sided arrow and/or adouble-sided arrow may, for example, indicate a unidirectional flow, abi-directional flow, or any combination thereof, such as with respect totransactions, signals, operations, processes, communications, and/or thelike that may comprise and/or be represented via one or more digitalsignals. The terms “communications,” “electronic communications,” and/orsimilar terms (e.g. “communicate,” etc.) may be used interchangeableherein. These or like communications may or may not be encoded, such asfor security purposes.

Thus, according to an implementation, a merchant or like entity,referenced at 102, may, for example, access a smart safe 104 that may belocated at a merchant's location, as one possible example, and maydeposit cash of a suitable amount, such as by feeding cash (e.g.,banknotes, coins, etc.) into smart safe's acceptor and/or validator.Here, any suitable smart safe capable of capturing and/or validatingcash by denomination, generating totals, rejecting counterfeit bills,etc. as well as communicating with a host or server computing device,such as via one or more client-server-type communications, for example,may be utilized. Server-client communications will be discussed infurther detail below. Although claimed subject matter is not limited inscope in this respect, a few potential examples of smart safes mayinclude those available from Tidel of Carrollton, Tex., from Armor SafeTechnologies of The Colony, Tex., from Triton Systems of Long Beach,Miss., from Fire King Security Group of New Albany, Ind., from AmericanSecurity Products of Fontana, Calif., or the like. Another example of asmart safe may include, for example, an envelope-free depositing ATM, aswas indicated.

In this context, “merchant,” “business,” or like terms refer to anentity and/or entity's representative, such as an individual, forexample, involved in and/or associated with a provision of goods and/orservices. At times, prior to such a deposit, merchant 102 may, forexample, be authenticated in some manner, such as prompted to verify itsidentity, such as by one or more applicable features of a smart safe,for example, so as to ensure that merchant 102 is a legitimatedepositor. For example, merchant 102 may be prompted to enter one ormore of its credentials into an appropriate input feature and/or device(e.g., a touch screen, key pad, etc.) of smart safe 104. To illustrate,merchant 102 may, for example, be prompted to input or enter a username,account number, registration number, or the like. In some instances,merchant 102 may, for example, be prompted to input a security number,such as a personal identification number (PIN), or like password,numeric or otherwise. Optionally or alternatively, merchant 102 may, forexample, use a plastic card embedded with a storage medium, such as abarcode, magnetic strip, computer chip, or the like, if applicable, thatmay be issued by an appropriate financial entity, service, etc. forauthentication, transaction verification, inputting applicableinformation, etc., such as via an embedded chip (e.g., by inserting intoa reader, etc.), magnetic strip (e.g., by swiping, etc.), or the like.Of course, these are merely examples related to authentication andclaimed subject matter is not so limited.

As illustrated at 106, in an implementation, having been verified as alegitimate depositor, merchant 102 may deposit cash, such as, forexample, by feeding one or more bills into a smart safe's bill acceptorand/or validator in any suitable fashion. Upon completion, merchant 102may, for example, signify or confirm that a deposit is complete via anappropriate user input, such as touching or pressing an on-screen orphysical button, entering an applicable command and/or text, or thelike, just to illustrate a few possible implementations. It should benoted that a smart safe may be capable of accepting, validating, and/ordepositing funds, such as discussed herein, into more than one financialentity, such as a bank, for example, and/or more than one bank account,such as in a checking, sweep, credit card, savings, etc. account, or thelike. It should also be noted that merchant 102 may, for example, becapable of withdrawing cash from smart safe 104, implement credit orlike card payment, etc. In such a case, one or more operations and/ortechniques discussed herein may also be utilized, in whole or in part,such as in a similar or like fashion and/or without deviating from thescope of claimed subject matter. For example, withdrawal-related contentmay be communicated to merchant 102, associated bank, etc., such asacknowledgement, bank statement, etc., as a few possible examples,immediately upon withdrawal, such as using one or more operations and/orprocesses discussed herein, in whole or in part.

Continuing with the above discussion, having made a deposit, merchant102 may, for example, request a receipt and/or report, such as via anappropriate input using an applicable interface of smart safe 104. Areceipt and/or report may comprise any suitable deposit-related content,such as, for example, merchant's name, account, etc., date, time, place,etc. of a deposit, deposit amount by denomination, smart safeidentifier, or the like, or any combination thereof. A receipt and/orreport may, for example, be furnished, such as provided and/orcommunicated to merchant 102 via any suitable approaches, such asprinted via a printer associated with smart safe 104, wirelesslytransmitted to a merchant's handheld device (e.g., smart phone, tabletcomputing device, etc.), or the like.

As was indicated, at 108, smart safe 104 may instantly communicatedeposit-related content, such as indicated above, for example, to asuitable server on a network, illustrated herein as a provisional cashserver 110 associated with a provisional credit deposit or like service,such as a provisional cash bank 112, just to illustrate one possibleimplementation. As was discussed, an instant communication, 108 orotherwise, may comprise a communication in real time or near real time.In turn, as referenced at 114, provisional cash server 110 may, forexample, communicate deposit-related information to provisional cashbank 112. In some instances, communication 114 may be also implementedinstantly, such as in real time or near real time, for example, via oneor more digital signals (e.g., signal packets, etc.) comprising one orore electronic files or documents. It should be noted that even thoughprovisional cash sever 110 and provisional cash bank 112 are illustratedas a single entity, as referenced generally via a dashed line at 116, insome instances, provisional cash sever 110 and provisional cash bank 112may comprise separate entities.

As illustrated at 118, provisional cash server 110 and/or provisionalcash bank 112 may, for example, immediately communicate suitabledeposit-related information to an appropriate bank account in a merchantbank 120 or like merchant-related financial entity. As referenced at122, merchant bank 120 may instantly communicate with merchant 102, suchas via an appropriate acknowledgement, for example, so as to credit abank account, such as checking, savings, etc. of merchant 102 for theamount of the deposit. This may, for example, give merchant 102immediate access to the funds for cashing checks, online bill paying,physically withdrawing cash at a branch of merchant bank 120 (e.g., viaan ATM, etc.) or any other suitable entity, nationally and/or worldwide,if applicable. In addition, in some instances, such as if cash isdeposited into a savings account, for example, merchant 102 may begin toearn applicable interest immediately. Merchant 102 may, for example, becapable of depositing cash into a smart safe twenty-four hours a day,three hundred and sixty five days a year, on a weekends, holidays, etc.and may receive immediate deposit credit, start earning interest ondeposited cash, etc.

In at least one implementation, as referenced at 124, deposit-relatedcontent may be communicated to merchant 102 by provisional cash server110 and/or provisional cash bank 112, such as acknowledgement, forexample, immediately upon receipt of communication 108, as one possibleexample. Such deposit-related content may, for example, be communicatedvia an applicable communications network and/or in connection with asuitable software application that may be provided to merchant 102 viaany suitable push and/or pull technology, just to illustrate a fewpossible implementations. For example, an application may be madeavailable by and/or downloaded from provisional cash server 110, as onepossible example, or any other suitable server, and/or may be storedlocally on any suitable computing device of merchant 102 capable ofcommunicating with provisional cash server 110 and/or provisional cashbank 112 via one or more communication networks and/or protocols. Insome instances, deposit-related content may also be rendered by such anapplication, which may reside on a computing device of merchant 102, forexample. At times, deposit-related content may, for example, be renderedby a network browser residing on a computing device of merchant 102 thatreceives information from provisional cash server 110 and/or othernetwork server. Claimed subject matter is not limited to a particularimplementation, of course. As such, merchant 102 may, for example, becapable of receiving and/or viewing timely updates, such asup-to-the-second reports, as one possible example, for deposit-relatedactivities, transactions, cash balances, or the like. As illustrated at126, deposit-related content may also be immediately communicated toprovisional cash services 128, such as to be reconciled and/or balancedwith a provisional credit given to merchant 102. As also seen,provisional cash services 128 may be in communication with any suitableentity associated with operating environment 100, such as provisionalcash server 110 and/or provisional cash bank 112, just to name a fewexamples.

Thus, merchant 102 may, for example, be capable of making cash deposits,such as discussed above, throughout the day for a number of days, whichmay accumulate at smart safe 104. As such, in at least oneimplementation, an armored car or like service may, for example, beemployed, in whole or in part, to periodically (e.g., biweekly, monthly,etc.) dispatch a courier 130 to visit a location of smart safe 104.Here, courier 130 may, for example, physically withdraw deposited cash,as illustrated at 132, such as via a deposit cassette or like feature ofsmart safe 104. Deposit cassettes are generally known and need not bedescribed here in greater detail. In some instances, upon withdrawal, areport may, for example, be generated detailing the amount of cash in adeposit cassette of smart safe 104, such as by denomination totals, cashtotals, with time, date, location, etc. of withdrawal by courier 130,courier's 130 and/or armored car service's ID or like number, or thelike, or any combination thereof. Such a report may, for example, beprinted and/or communicated to merchant 102 via one or more appropriatenetworks and/or communications, such via communication 124, as onepossible example. At times, such a report may, for example, comprise orbe part of a deposit slip, bank statement, account statement, or likefinancial document. Claimed subject matter is not so limited, of course.For example, as was indicated, courier 130 may also deposit cash intosmart safe 104, such as for purposes of withdrawal by merchant 102, orlike processes.

For purposes of explanation, typically, an armored car service may notbe capable of accessing cash in a deposit cassette, if present. Forexample, in some instances, no one may have access to cash in a depositcassette other than courier 130, such as to facilitate and/or supportprivacy theft, for the purposes of tracking, or the like. As furtherillustrated at 134, having withdrawn cash and/or deposit cassette,courier 130 may, for example, physically transport cash and/or cassetteto provisional cash bank 112 or any other suitable cash depository, suchas a virtual vault, pseudo branch set up with an armored car service,etc. for reconciliation and/or balancing with a provisional credit givento merchant 102, as was indicated. It should be noted that, in someinstances, a bank, such as provisional cash bank 112, for example, mayor may not charge a daily interest rate and/or fee for a credit thatmerchant 102 has received. At times, a bank, such as provisional cashbank 112, for example, may bundle such an interest and/or fee with otherservice fees.

Thus, one or more operations and/or techniques for instant bank accountcrediting via a bill-validating depositing system, such as a smart safe,for example, may be implemented using a hardware, such as one or morecomputing platforms and/or devices discussed herein, and/or software, orany combination thereof. For example, in some instances, with regard toreceiving provisional credit for deposits, among other things, a smartsafe, a provisional cash server, a provisional cash bank or likeinfrastructure, and/or a merchant's bank or like infrastructure may beutilized, in whole or in part. At times, for physically collecting cashdeposited into a smart safe to a bank or other depository (e.g., avirtual vault, etc.), among other things, such as for balancing,reconciling, etc. an armored car or like service may, for example, beemployed, in whole or in part. Also, in some instances, hardware and/orsoftware may, for example, include a capability for a smart safe tocommunicate one or more applicable electronic files, such as soon ascash has been deposited. As was indicated, a file may comprise anysuitable content in electronic form, such as, for example, an identity,location, etc. of a smart safe, time, date, amount, etc. of a cashdeposit and/or withdrawal, bank routing and/or account number, or thelike, or any combination thereof.

At times, hardware and/or software may also include a capability for asuitable server, such as a provisional cash server, for example, toreceive deposit-related content and/or other applicable communicationsfrom a smart safe or any other appropriate device, such as via one ormore communications and/or communication networks discussed herein, andtransmitting deposit-related content to a suitable bank for credit, suchas in real or near real time. In some instances, hardware and/orsoftware may also include a capability for a suitable server, such as aprovisional cash server, for example, to provide and/or make availabledeposit-related content to a merchant or other party of interest, suchas a merchant's bank, provisional cash services, or the like. These orlike features and/or capabilities may, for example, depend on aparticular implementation, merchant, bank, smart safe, communicationsnetwork, services, or the like.

FIG. 2 is a flow diagram illustrating an implementation of an exampleprocess 200 that may be performed, in whole or in part, to facilitateand/or support one or more operations and/or techniques for instant bankaccount crediting via a bill-validating depositing system, such as smartsafe 104 of FIG. 1, for example. It should be noted that contentacquired and/or produced, such as, for example, input signals, outputsignals, operations, results, etc. associated with example process 200may comprise and/or be represented via one or more digital signals. Itshould also be appreciated that even though one or more operations areillustrated and/or described concurrently and/or with respect to acertain sequence, other sequences and/or concurrent operations may beemployed, in whole or in part. In addition, although the descriptionbelow references particular aspects and/or features illustrated incertain other figures, one or more operations may be performed withother aspects and/or features.

Example process 200 may, for example, begin at operation 202 withauthenticating, via a bill-validating depositing system, a merchant as alegitimate depositor for one or more financial accounts of a financialentity accessible over an electronic network. As was indicated, abill-validating depositing system may comprise, for example, a smartsafe. In some instances, a smart safe may be located remotely from sucha financial entity, such as at a merchant's location (e.g., in a lobby,vault, safe room, etc.). Here, a merchant may, for example, beauthenticated, at least in part, via entering or inputting one or moreapplicable credentials (e.g., a username, account number, registrationnumber, security number, password, etc.) into an input feature and/ordevice associated with a smart safe. A merchant may, for example, beauthenticated for one financial entity and/or account (e.g., a checkingaccount in a bank, etc.) or more than one financial entity and/oraccount (e.g., checking, savings, credit, etc. accounts in a bank orbanks, etc.) of a financial entity, such as a bank, service, or thelike. An electronic network may comprise any suitable network, such as,for example, a wireless network, a wired network, or any combinationthereof.

With regard to operation 204, currency may, for example, be received,via the bill-validating depositing system, from the authenticatedmerchant as a deposit for a provision of goods and/or services. In thiscontext, “currency” or “cash” refers to money in any suitable form,which may or may not be in circulation. For example, currency maycomprise one or more banknotes and/or coins of various denominationscurrently in use, though claimed subject matter is not so limited. Anysuitable currency equivalents, such as current assets, for example, maybe utilized herein, in whole or in part. Thus, a merchant may, forexample, deposit currency of a suitable amount by feeding such currencyinto smart safe's acceptor and/or validator. Upon completion, a receiptand/or report for a deposit may, for example, be generated, such as tobe furnished to an authenticated merchant via one or more applicableapproaches, as discussed above. For example, in some instances, such areceipt and/or report may be furnished to an authenticated merchant inreal time or near real time.

At operation 206, deposit-related content may, for example, becommunicated, via the bill-validating depositing system and theelectronic network, to a server for obtaining immediate credit for thedeposit by the authenticated merchant. As was also discussed,deposit-related content may, for example, communicated to a suitableserver, such as a provisional cash server, as one example, for receivingan immediate acknowledgement from a financial entity indicating thatcredit has been given to an authenticated merchant. In some instances,such credit may comprise, for example, provisional credit to bereconciled and/or balanced with the deposit. An immediateacknowledgement may be in any suitable form, such as, for example, anelectronic message, physical statement, or the like, or any combinationthereof. Immediate credit may, for example, allow an authenticatedmerchant to immediately access one or more financial instruments thatmay be equal in value to such a deposit. For example, one or morefinancial instruments comprise currency available via an automatedteller machine (ATM), electronic funds available via one or morefinancial accounts, credit available from a financial entity, or thelike, or any combination thereof. In at least one implementation,example process 200 may, for example, be implemented in connection withan armored car service employing a courier for physically transportingcurrency to financial entity. For example, a courier may physicallytransport deposited currency to a bank, virtual vault, pseudo branch, orthe like, such as for reconciliation and/or balancing with a creditgiven to a merchant, as was also indicated.

Accordingly, as discussed herein, one or more operations and/ortechniques for instant bank account crediting via a bill-validatingdepositing system, such as a smart safe, for example, may providebenefits. For example, as was indicated, a merchant may be capable ofaccessing cash deposited into a smart safe more quickly, such as secondsafter a deposit occurred, as one possible example. In addition, depositsand/or related credits may, for example, be available twenty-four hoursa day, three hundred and sixty five days a year, on a weekends,holidays, etc. Further, cash deposited into a bank savings account, forexample, may begin earning interest immediately, such as instead ofwaiting a certain time period, as was also discussed, and/or provisionalcash banks may also be able to collect revenue, such as in the form ifan interest, for example, immediately (e.g., instead of waitingtwenty-four to ninety six hours, etc.).

Also, expenses attributable to an additional and/or intermediateprovisional cash processing service, such as a third party processingdeposit transactions, for example, may be eliminated or otherwisereduced. In some instances, one or more operations and/or techniques forinstant bank account crediting via a bill-validating depositing system,such as a smart safe, for example, may also improve upon existingprovisional credit-related communications and/or systems, such as whiledecreasing associated costs, increasing systems' usability and/orefficiency, or the like. Of course, such a description of certainaspects of instant bank account crediting using a remote bill-validatingdepositing system, such as a smart safe, for example, and its benefitsis merely an example, and claimed subject matter is not so limited.

In the context of the present disclosure, the term “connection,” theterm “component” and/or similar terms are intended to be physical, butare not necessarily always tangible. Whether or not these terms refer totangible subject matter, thus, may vary in a particular context ofusage. As an example, a tangible connection and/or tangible connectionpath may be made, such as by a tangible, electrical connection, such asan electrically conductive path comprising metal or other electricalconductor, that is able to conduct electrical current between twotangible components. Likewise, a tangible connection path may be atleast partially affected and/or controlled, such that, as is typical, atangible connection path may be open or closed, at times resulting frominfluence of one or more externally derived signals, such as externalcurrents and/or voltages, such as for an electrical switch. Non-limitingillustrations of an electrical switch include a transistor, a diode,etc. However, a “connection” and/or “component,” in a particular contextof usage, likewise, although physical, can also be non-tangible, such asa connection between a client and a server over a network, whichgenerally refers to the ability for the client and server to transmit,receive, and/or exchange communications, as discussed in more detaillater.

In a particular context of usage, such as a particular context in whichtangible components are being discussed, therefore, the terms “coupled”and “connected” are used in a manner so that the terms are notsynonymous. Similar terms may also be used in a manner in which asimilar intention is exhibited. Thus, “connected” is used to indicatethat two or more tangible components and/or the like, for example, aretangibly in direct physical contact. Thus, using the previous example,two tangible components that are electrically connected are physicallyconnected via a tangible electrical connection, as previously discussed.However, “coupled,” is used to mean that potentially two or moretangible components are tangibly in direct physical contact.Nonetheless, is also used to mean that two or more tangible componentsand/or the like are not necessarily tangibly in direct physical contact,but are able to co-operate, liaise, and/or interact, such as, forexample, by being “optically coupled.” Likewise, the term “coupled” maybe understood to mean indirectly connected in an appropriate context. Itis further noted, in the context of the present disclosure, the termphysical if used in relation to memory, such as memory components ormemory states, as examples, necessarily implies that memory, such memorycomponents and/or memory states, continuing with the example, istangible.

Additionally, in the present disclosure, in a particular context ofusage, such as a situation in which tangible components (and/orsimilarly, tangible materials) are being discussed, a distinction existsbetween being “on” and being “over.” As an example, deposition of asubstance “on” a substrate refers to a deposition involving directphysical and tangible contact without an intermediary, such as anintermediary substance (e.g., an intermediary substance formed during anintervening process operation), between the substance deposited and thesubstrate in this latter example; nonetheless, deposition “over” asubstrate, while understood to potentially include deposition “on” asubstrate (since being “on” may also accurately be described as being“over”), is understood to include a situation in which one or moreintermediaries, such as one or more intermediary substances, are presentbetween the substance deposited and the substrate so that the substancedeposited is not necessarily in direct physical and tangible contactwith the substrate.

A similar distinction is made in an appropriate particular context ofusage, such as in which tangible materials and/or tangible componentsare discussed, between being “beneath” and being “under.” While“beneath,” in such a particular context of usage, is intended tonecessarily imply physical and tangible contact (similar to “on,” asjust described), “under” potentially includes a situation in which thereis direct physical and tangible contact, but does not necessarily implydirect physical and tangible contact, such as if one or moreintermediaries, such as one or more intermediary substances, arepresent. Thus, “on” is understood to mean “immediately over” and“beneath” is understood to mean “immediately under.”

It is likewise appreciated that terms such as “over” and “under” areunderstood in a similar manner as the terms “up,” “down,” “top,”“bottom,” and so on, previously mentioned. These terms may be used tofacilitate discussion, but are not intended to necessarily restrictscope of claimed subject matter. For example, the term “over,” as anexample, is not meant to suggest that claim scope is limited to onlysituations in which an embodiment is right side up, such as incomparison with the embodiment being upside down, for example. Anexample includes a flip chip, as one illustration, in which, forexample, orientation at various times (e.g., during fabrication) may notnecessarily correspond to orientation of a final product. Thus, if anobject, as an example, is within applicable claim scope in a particularorientation, such as upside down, as one example, likewise, it isintended that the latter also be interpreted to be included withinapplicable claim scope in another orientation, such as right side up,again, as an example, and vice-versa, even if applicable literal claimlanguage has the potential to be interpreted otherwise. Of course,again, as always has been the case in the specification of a patentapplication, particular context of description and/or usage provideshelpful guidance regarding reasonable inferences to be drawn.

Unless otherwise indicated, in the context of the present disclosure,the term “or” if used to associate a list, such as A, B, or C, isintended to mean A, B, and C, here used in the inclusive sense, as wellas A, B, or C, here used in the exclusive sense. With thisunderstanding, “and” is used in the inclusive sense and intended to meanA, B, and C; whereas “and/or” can be used in an abundance of caution tomake clear that all of the foregoing meanings are intended, althoughsuch usage is not required. In addition, the term “one or more” and/orsimilar terms is used to describe any feature, structure,characteristic, and/or the like in the singular, “and/or” is also usedto describe a plurality and/or some other combination of features,structures, characteristics, and/or the like. Furthermore, the terms“first,” “second” “third,” and the like are used to distinguishdifferent aspects, such as different components, as one example, ratherthan supplying a numerical limit or suggesting a particular order,unless expressly indicated otherwise. Likewise, the term “based on”and/or similar terms are understood as not necessarily intending toconvey an exhaustive list of factors, but to allow for existence ofadditional factors not necessarily expressly described.

Furthermore, it is intended, for a situation that relates toimplementation of claimed subject matter and is subject to testing,measurement, and/or specification regarding degree, to be understood inthe following manner. As an example, in a given situation, assume avalue of a physical property is to be measured. If alternativelyreasonable approaches to testing, measurement, and/or specificationregarding degree, at least with respect to the property, continuing withthe example, is reasonably likely to occur to one of ordinary skill, atleast for implementation purposes, claimed subject matter is intended tocover those alternatively reasonable approaches unless otherwiseexpressly indicated. As an example, if a plot of measurements over aregion is produced and implementation of claimed subject matter refersto employing a measurement of slope over the region, but a variety ofreasonable and alternative techniques to estimate the slope over thatregion exist, claimed subject matter is intended to cover thosereasonable alternative techniques, even if those reasonable alternativetechniques do not provide identical values, identical measurements oridentical results, unless otherwise expressly indicated.

It is further noted that the terms “type” and/or “like,” if used, suchas with a feature, structure, characteristic, and/or the like, using“optical” or “electrical” as simple examples, means at least partiallyof and/or relating to the feature, structure, characteristic, and/or thelike in such a way that presence of minor variations, even variationsthat might otherwise not be considered fully consistent with thefeature, structure, characteristic, and/or the like, do not in generalprevent the feature, structure, characteristic, and/or the like frombeing of a “type” and/or being “like,” (such as being an “optical-type”or being “optical-like,” for example) if the minor variations aresufficiently minor so that the feature, structure, characteristic,and/or the like would still be considered to be predominantly presentwith such variations also present. Thus, continuing with this example,the terms optical-type and/or optical-like properties are necessarilyintended to include optical properties. Likewise, the termselectrical-type and/or electrical-like properties, as another example,are necessarily intended to include electrical properties. It should benoted that the specification of the present disclosure merely providesone or more illustrative examples and claimed subject matter is intendedto not be limited to one or more illustrative examples; however, again,as has always been the case with respect to the specification of apatent application, particular context of description and/or usageprovides helpful guidance regarding reasonable inferences to be drawn.

With advances in technology, it has become more typical to employdistributed computing and/or communication approaches in which portionsof a process, such as signal processing of signal samples, for example,may be allocated among various devices, including one or more clientdevices, one or more server devices and/or one or more peer-to-peerdevices, via a computing and/or communications network, for example. Anetwork may comprise two or more devices, such as network devices and/orcomputing devices, and/or may couple devices, such as network devicesand/or computing devices, so that signal communications, such as in theform of signal packets and/or signal frames (e.g., comprising one ormore signal samples), for example, may be exchanged, such as between aserver device, a client device and/or a peer-to-peer device, as well asother types of devices, including between wired and/or wireless devicescoupled via a wired and/or wireless network, for example.

An example of a distributed computing system comprises the so-calledHadoop distributed computing system, which employs a map-reduce type ofarchitecture. In the context of the present disclosure, the termsmap-reduce architecture and/or similar terms are intended to refer to adistributed computing system implementation and/or embodiment forprocessing and/or for generating larger sets of signal samples employingmap and/or reduce operations for a parallel, distributed processperformed over a network of devices. A map operation and/or similarterms refer to processing of signals (e.g., signal samples) to generateone or more key-value pairs and to distribute the one or more pairs toone or more devices of the system (e.g., network). A reduce operationand/or similar terms refer to processing of signals (e.g., signalsamples) via a summary operation (e.g., such as counting the number ofstudents in a queue, yielding name frequencies, etc.). A system mayemploy such an architecture, such as by marshaling distributed serverdevices, executing various tasks in parallel, and/or managingcommunications, such as signal transfers, between various parts of thesystem (e.g., network), in an embodiment. As mentioned, onenon-limiting, but well-known, example comprises the Hadoop distributedcomputing system. It refers to an open source implementation and/orembodiment of a map-reduce type architecture (available from the ApacheSoftware Foundation, 1901 Munsey Drive, Forrest Hill, Md., 21050-2747),but may include other aspects, such as the Hadoop distributed filesystem (HDFS) (available from the Apache Software Foundation, 1901Munsey Drive, Forrest Hill, Md., 21050-2747). In general, therefore,“Hadoop” and/or similar terms (e.g., “Hadoop-type,” etc.) refer to animplementation and/or embodiment of a scheduler for executing largerprocessing jobs using a map-reduce architecture over a distributedsystem. Furthermore, in the context of the present disclosure, use ofthe term “Hadoop” is intended to include versions, presently knownand/or to be later developed.

In the context of the present disclosure, the term “network device”refers to any device capable of communicating via and/or as part of anetwork and may comprise a computing device. While network devices maybe capable of communicating signals (e.g., signal packets and/orframes), such as via a wired and/or wireless network, they may also becapable of performing operations associated with a computing device,such as arithmetic and/or logic operations, processing and/or storingoperations (e.g., storing signal samples), such as in a non-transitorymemory as tangible, physical memory states, and/or may, for example,operate as a server device and/or a client device in variousembodiments. Network devices capable of operating as a server device, aclient device and/or otherwise, may include, as examples, dedicatedrack-mounted servers, desktop computers, laptop computers, set topboxes, tablets, netbooks, smart phones, wearable devices, integrateddevices combining two or more features of the foregoing devices, and/orthe like, or any combination thereof. As mentioned, signal packetsand/or frames, for example, may be exchanged, such as between a serverdevice and/or a client device, as well as other types of devices,including between wired and/or wireless devices coupled via a wiredand/or wireless network, for example, or any combination thereof. It isnoted that the terms, server, server device, server computing device,server computing platform and/or similar terms are used interchangeably.Similarly, the terms client, client device, client computing device,client computing platform and/or similar terms are also usedinterchangeably. While in some instances, for ease of description, theseterms may be used in the singular, such as by referring to a “clientdevice” or a “server device,” the description is intended to encompassone or more client devices and/or one or more server devices, asappropriate. Along similar lines, references to a “database” areunderstood to mean, one or more databases and/or portions thereof, asappropriate.

It should be understood that for ease of description, a network device(also referred to as a networking device) may be embodied and/ordescribed in terms of a computing device and vice-versa. However, itshould further be understood that this description should in no way beconstrued so that claimed subject matter is limited to one embodiment,such as only a computing device and/or only a network device, but,instead, may be embodied as a variety of devices or combinationsthereof, including, for example, one or more illustrative examples.

A network may also include now known, and/or to be later developedarrangements, derivatives, and/or improvements, including, for example,past, present and/or future mass storage, such as network attachedstorage (NAS), a storage area network (SAN), and/or other forms ofdevice readable media, for example. A network may include a portion ofthe Internet, one or more local area networks (LANs), one or more widearea networks (WANs), wire-line type connections, wireless typeconnections, other connections, or any combination thereof. Thus, anetwork may be worldwide in scope and/or extent. Likewise, sub-networks,such as may employ differing architectures and/or may be substantiallycompliant and/or substantially compatible with differing protocols, suchas network computing and/or communications protocols (e.g., networkprotocols), may interoperate within a larger network.

In the context of the present disclosure, the term sub-network and/orsimilar terms, if used, for example, with respect to a network, refersto the network and/or a part thereof. Sub-networks may also compriselinks, such as physical links, connecting and/or coupling nodes, so asto be capable to communicate signal packets and/or frames betweendevices of particular nodes, including via wired links, wireless links,or combinations thereof. Various types of devices, such as networkdevices and/or computing devices, may be made available so that deviceinteroperability is enabled and/or, in at least some instances, may betransparent. In the context of the present disclosure, the term“transparent,” if used with respect to particular communicating devicesof a network, refers to the devices communicating via the network inwhich the devices are able to communicate via one or more intermediatedevices, such as of one or more intermediate nodes, but without thecommunicating devices necessarily specifying the one or moreintermediate nodes and/or the one or more intermediate devices of theone or more intermediate nodes. Thus, a network may include the one ormore intermediate nodes and/or the one or more intermediate devices ofthe one or more intermediate nodes in communications and the network mayengage in communications via the one or more intermediate nodes and/orthe one or more intermediate devices of the one or more intermediatenodes, but the network may operate as if such intermediate nodes and/orintermediate devices are not necessarily involved in communicationsbetween the particular communicating devices. For example, a router mayprovide a link and/or connection between otherwise separate and/orindependent LANs.

In the context of the present disclosure, a “private network” refers toa particular, limited set of devices, such as network devices and/orcomputing devices, able to communicate with other devices, such asnetwork devices and/or computing devices, in the particular, limitedset, such as via signal packet and/or signal frame communications, forexample, without a need for re-routing and/or redirecting signalcommunications. A private network may comprise a stand-alone network;however, a private network may also comprise a subset of a largernetwork, such as, for example, without limitation, all or a portion ofthe Internet. Thus, for example, a private network “in the cloud” mayrefer to a private network that comprises a subset of the Internet.Although signal packet and/or frame communications (e.g. signalcommunications) may employ intermediate devices of intermediate nodes toexchange signal packets and/or signal frames, those intermediate devicesmay not necessarily be included in the private network by not being asource or designated destination for one or more signal packets and/orsignal frames, for example. It is understood in the context of thepresent disclosure that a private network may direct outgoing signalcommunications to devices not in the private network, but devicesoutside the private network may not necessarily be able to directinbound signal communications to devices included in the privatenetwork.

The Internet refers to a decentralized global network of interoperablenetworks that comply with the Internet Protocol (IP). It is noted thatthere are several versions of the Internet Protocol. The term InternetProtocol, IP, and/or similar terms are intended to refer to any version,now known and/or to be later developed. The Internet includes local areanetworks (LANs), wide area networks (WANs), wireless networks, and/orlong haul networks that, for example, may allow signal packets and/orframes to be communicated between LANs. The term World Wide Web (WWW orWeb) and/or similar terms may also be used, although it refers to a partof the Internet that complies with the Hypertext Transfer Protocol(HTTP). For example, network devices may engage in an HTTP sessionthrough an exchange of appropriately substantially compatible and/orsubstantially compliant signal packets and/or frames. It is noted thatthere are several versions of the Hypertext Transfer Protocol. The termHypertext Transfer Protocol, HTTP, and/or similar terms are intended torefer to any version, now known and/or to be later developed. It islikewise noted that in various places in this document substitution ofthe term Internet with the term World Wide Web (“Web”) may be madewithout a significant departure in meaning and may, therefore, also beunderstood in that manner if the statement would remain correct withsuch a substitution.

Although claimed subject matter is not in particular limited in scope tothe Internet and/or to the Web; nonetheless, the Internet and/or the Webmay without limitation provide a useful example of an embodiment atleast for purposes of illustration. As indicated, the Internet and/orthe Web may comprise a worldwide system of interoperable networks,including interoperable devices within those networks. The Internetand/or Web has evolved to a self-sustaining facility accessible topotentially billions of people or more worldwide. Also, in anembodiment, and as mentioned above, the terms “WWW” and/or “Web” referto a part of the Internet that complies with the Hypertext TransferProtocol. The Internet and/or the Web, therefore, in the context of thepresent disclosure, may comprise a service that organizes stored digitalcontent, such as, for example, text, images, video, etc., through theuse of hypermedia, for example. It is noted that a network, such as theInternet and/or Web, may be employed to store electronic files and/orelectronic documents.

The term “electronic file” and/or the term “electronic document” or thelike are used throughout this document to refer to a set of storedmemory states and/or a set of physical signals associated in a manner soas to thereby at least logically form a file (e.g., electronic) and/oran electronic document. That is, it is not meant to implicitly referencea particular syntax, format and/or approach used, for example, withrespect to a set of associated memory states and/or a set of associatedphysical signals. If a particular type of file storage format and/orsyntax, for example, is intended, it is referenced expressly. It isfurther noted an association of memory states, for example, may be in alogical sense and not necessarily in a tangible, physical sense. Thus,although signal and/or state components of a file and/or an electronicdocument, for example, are to be associated logically, storage thereof,for example, may reside in one or more different places in a tangible,physical memory, in an embodiment.

A Hyper Text Markup Language (“HTML”), for example, may be utilized tospecify digital content and/or to specify a format thereof, such as inthe form of an electronic file and/or an electronic document, such as aWeb page, Web site, etc., for example. An Extensible Markup Language(“XML”) may also be utilized to specify digital content and/or tospecify a format thereof, such as in the form of an electronic fileand/or an electronic document, such as a Web page, Web site, etc., in anembodiment. Of course, HTML and/or XML are merely examples of “markup”languages, provided as non-limiting illustrations. Furthermore, HTMLand/or XML are intended to refer to any version, now known and/or to belater developed, of these languages. Likewise, claimed subject matterare not intended to be limited to examples provided as illustrations, ofcourse.

In the context of the present disclosure, the term “Web site” and/orsimilar terms refer to Web pages that are associated electronically toform a particular collection thereof. Also, in the context of thepresent disclosure, “Web page” and/or similar terms refer to anelectronic file and/or an electronic document accessible via a network,including by specifying a uniform resource locator (URL) foraccessibility via the Web, in an example embodiment. As alluded toabove, in one or more embodiments, a Web page may comprise digitalcontent coded (e.g., via computer instructions) using one or morelanguages, such as, for example, markup languages, including HTML and/orXML, although claimed subject matter is not limited in scope in thisrespect. Also, in one or more embodiments, application developers maywrite code (e.g., computer instructions) in the form of JavaScript (orother programming languages), for example, executable by a computingdevice to provide digital content to populate an electronic documentand/or an electronic file in an appropriate format, such as for use in aparticular application, for example. Use of the term “JavaScript” and/orsimilar terms intended to refer to one or more particular programminglanguages are intended to refer to any version of the one or moreprogramming languages identified, now known and/or to be laterdeveloped. Thus, JavaScript is merely an example programming language.As was mentioned, claimed subject matter is not intended to be limitedto examples and/or illustrations.

As was indicated, in the context of the present disclosure, the terms“entry,” “electronic entry,” “document,” “electronic document,”“content”, “digital content,” “item,” and/or similar terms are meant torefer to signals and/or states in a physical format, such as a digitalsignal and/or digital state format, e.g., that may be perceived by auser if displayed, played, tactilely generated, etc. and/or otherwiseexecuted by a device, such as a digital device, including, for example,a computing device, but otherwise might not necessarily be readilyperceivable by humans (e.g., if in a digital format). Likewise, in thecontext of the present disclosure, digital content provided to a user ina form so that the user is able to readily perceive the underlyingcontent itself (e.g., content presented in a form consumable by a human,such as hearing audio, feeling tactile sensations and/or seeing images,as examples) is referred to, with respect to the user, as “consuming”digital content, “consumption” of digital content, “consumable” digitalcontent and/or similar terms. For one or more embodiments, an electronicdocument and/or an electronic file may comprise a Web page of code(e.g., computer instructions) in a markup language executed or to beexecuted by a computing and/or networking device, for example. Inanother embodiment, an electronic document and/or electronic file maycomprise a portion and/or a region of a Web page. However, claimedsubject matter is not intended to be limited in these respects.

Also, for one or ore embodiments, an electronic document and/orelectronic file may comprise a number of components. As previouslyindicated, in the context of the present disclosure, a component isphysical, but is not necessarily tangible. As an example, componentswith reference to an electronic document and/or electronic file, in oneor more embodiments, may comprise text, for example, in the form ofphysical signals and/or physical states (e.g., capable of beingphysically displayed and/or maintained as a memory state in a tangiblememory). Typically, memory states, for example, comprise tangiblecomponents, whereas physical signals are not necessarily tangible,although signals may become (e.g., be made) tangible, such as ifappearing on a tangible display, for example, as is not uncommon. Also,for one or more embodiments, components with reference to an electronicdocument and/or electronic file may comprise a graphical object, suchas, for example, an image, such as a digital image, and/or sub-objects,including attributes thereof, which, again, comprise physical signalsand/or physical states (e.g., capable of being tangibly displayed and/ormaintained as a memory state in a tangible memory). In an embodiment,digital content may comprise, for example, text, images, audio, video,haptic content and/or other types of electronic documents and/orelectronic files, including portions thereof, for example.

Also, in the context of the present disclosure, the term parameters(e.g., one or more parameters) refer to material descriptive of acollection of signal samples, such as one or more electronic documentsand/or electronic files, and exist in the form of physical signalsand/or physical states, such as memory states. For example, one or moreparameters, such as referring to an electronic document and/or anelectronic file comprising an image, may include, as examples, time ofday at which an image was captured, latitude and longitude of an imagecapture device, such as a camera, for example, etc. In another example,one or more parameters relevant to digital content, such as digitalcontent comprising a technical article, as an example, may include oneor more authors, for example. Claimed subject matter is intended toembrace meaningful, descriptive parameters in any format, so long as theone or more parameters comprise physical signals and/or states, whichmay include, as parameter examples, collection name (e.g., electronicfile and/or electronic document identifier name), technique of creation,purpose of creation, time and date of creation, logical path if stored,coding formats (e.g., type of computer instructions, such as a markuplanguage) and/or standards and/or specifications used so as to beprotocol compliant (e.g., meaning substantially compliant and/orsubstantially compatible) for one or more uses, and so forth.

Signal packet communications and/or signal frame communications, alsoreferred to as signal packet transmissions and/or signal frametransmissions (or merely “signal packets” or “signal frames”), may becommunicated between nodes of a network, where a node may comprise oneor more network devices and/or one or more computing devices, forexample. As an illustrative example, but without limitation, a node maycomprise one or more sites employing a local network address, such as ina local network address space. Likewise, a device, such as a networkdevice and/or a computing device, may be associated with that node. Itis also noted that in the context of this disclosure, the term“transmission” is intended as another term for a type of signalcommunication that may occur in any one of a variety of situations.Thus, it is not intended to imply a particular directionality ofcommunication and/or a particular initiating end of a communication pathfor the “transmission” communication. For example, the mere use of theterm in and of itself is not intended, in the context of the presentdisclosure, to have particular implications with respect to the one ormore signals being communicated, such as, for example, whether thesignals are being communicated “to” a particular device, whether thesignals are being communicated “from” a particular device, and/orregarding which end of a communication path may be initiatingcommunication, such as, for example, in a “push type” of signal transferor in a “pull type” of signal transfer. In the context of the presentdisclosure, push and/or pull type signal transfers are distinguished bywhich end of a communications path initiates signal transfer.

Thus, a signal packet and/or frame may, as an example, be communicatedvia a communication channel and/or a communication path, such ascomprising a portion of the Internet and/or the Web, from a site via anaccess node coupled to the Internet or vice-versa. Likewise, a signalpacket and/or frame may be forwarded via network nodes to a target sitecoupled to a local network, for example. A signal packet and/or framecommunicated via the Internet and/or the Web, for example, may be routedvia a path, such as either being “pushed” or “pulled,” comprising one ormore gateways, servers, etc. that may, for example, route a signalpacket and/or frame, such as, for example, substantially in accordancewith a target and/or destination address and availability of a networkpath of network nodes to the target and/or destination address. Althoughthe Internet and/or the Web comprise a network of interoperablenetworks, not all of those interoperable networks are necessarilyavailable and/or accessible to the public.

In the context of the particular disclosure, a network protocol, such asfor communicating between devices of a network, may be characterized, atleast in part, substantially in accordance with a layered description,such as the so-called Open Systems Interconnection (OSI) seven layertype of approach and/or description. A network computing and/orcommunications protocol (also referred to as a network protocol) refersto a set of signaling conventions, such as for communicationtransmissions, for example, as may take place between and/or amongdevices in a network. In the context of the present disclosure, the term“between” and/or similar terms are understood to include “among” ifappropriate for the particular usage and vice-versa. Likewise, in thecontext of the present disclosure, the terms “compatible with,” “complywith” and/or similar terms are understood to respectively includesubstantial compatibility and/or substantial compliance.

A network protocol, such as protocols characterized substantially inaccordance with the aforementioned OSI description, has several layers.These layers are referred to as a network stack. Various types ofcommunications (e.g., transmissions), such as network communications,may occur across various layers. A lowest level layer in a networkstack, such as the so-called physical layer, may characterize howsymbols (e.g., bits and/or bytes) are communicated as one or moresignals (and/or signal samples) via a physical medium (e.g., twistedpair copper wire, coaxial cable, fiber optic cable, wireless airinterface, combinations thereof, etc.). Progressing to higher-levellayers in a network protocol stack, additional operations and/orfeatures may be available via engaging in communications that aresubstantially compatible and/or substantially compliant with aparticular network protocol at these higher-level layers. For example,higher-level layers of a network protocol may, for example, affectdevice permissions, user permissions, etc.

A network and/or sub-network, in an embodiment, may communicate viasignal packets and/or signal frames, such via participating digitaldevices and may be substantially compliant and/or substantiallycompatible with, but is not limited to, now known and/or to bedeveloped, versions of any of the following network protocol stacks:ARCNET, AppleTalk, ATM, Bluetooth, DECnet, Ethernet, FDDI, Frame Relay,HIPPI, IEEE 1394, IEEE 802.11, IEEE-488, Internet Protocol Suite, IPX,Myrinet, 051 Protocol Suite, QsNet, RS-232, SPX, System NetworkArchitecture, Token Ring, USB, and/or X.25. A network and/or sub-networkmay employ, for example, a version, now known and/or later to bedeveloped, of the following: TCP/IP, UDP, DECnet, NetBEUI, IPX,AppleTalk and/or the like. Versions of the Internet Protocol (IP) mayinclude IPv4, IPv6, and/or other later to be developed versions.

Regarding aspects related to a network, including a communicationsand/or computing network, a wireless network may couple devices,including client devices, with the network. A wireless network mayemploy stand-alone, ad-hoc networks, mesh networks, Wireless LAN (WLAN)networks, cellular networks, and/or the like. A wireless network mayfurther include a system of terminals, gateways, routers, and/or thelike coupled by wireless radio links, and/or the like, which may movefreely, randomly and/or organize themselves arbitrarily, such thatnetwork topology may change, at times even rapidly. A wireless networkmay further employ a plurality of network access technologies, includinga version of Long Term Evolution (LTE), WLAN, Wireless Router (WR) mesh,2nd, 3rd, or 4th generation (2G, 3G, or 4G) cellular technology and/orthe like, whether currently known and/or to be later developed. Networkaccess technologies may enable wide area coverage for devices, such ascomputing devices and/or network devices, with varying degrees ofmobility, for example.

A network may enable radio frequency and/or other wireless typecommunications via a wireless network access technology and/or airinterface, such as Global System for Mobile communication (GSM),Universal Mobile Telecommunications System (UMTS), General Packet RadioServices (GPRS), Enhanced Data GSM Environment (EDGE), 3GPP Long TermEvolution (LTE), LTE Advanced, Wideband Code Division Multiple Access(WCDMA), Bluetooth, ultra wideband (UWB), IEEE 802.11 (including, butnot limited to, IEEE 802.11b/g/n), and/or the like. A wireless networkmay include virtually any type of now known and/or to be developedwireless communication mechanism and/or wireless communications protocolby which signals may be communicated between devices, between networks,within a network, and/or the like, including the foregoing, of course.

In one example embodiment, as shown in FIG. 3, a system embodiment maycomprise a local network (e.g., a second device 304 and acomputer-readable medium 340) and/or another type of network, such as acomputing and/or communications network. For purposes of illustration,therefore, FIG. 3 shows an embodiment 300 of a system that may beemployed to implement either type or both types of networks. Network 308may comprise one or more network connections, links, processes,services, applications, and/or resources to facilitate and/or supportcommunications, such as an exchange of communication signals, forexample, between a computing device, such as 302, and another computingdevice, such as 306, which may, for example, comprise one or more clientcomputing devices and/or one or more server computing device. By way ofexample, but not limitation, network 308 may comprise wireless and/orwired communication links, telephone and/or telecommunications systems,Wi-Fi networks, Wi-MAX networks, the Internet, a local area network(LAN), a wide area network (WAN), or any combinations thereof.

Example devices in FIG. 3 may comprise features, for example, of aclient computing device and/or a server computing device, in anembodiment. It is further noted that the term computing device, ingeneral, whether employed as a client and/or as a server, or otherwise,refers at least to a processor and a memory connected by a communicationbus. Likewise, in the context of the present disclosure at least, thisis understood to refer to sufficient structure within the meaning of 35§USC 112 (f) so that it is specifically intended that 35 §USC 112 (f)not be implicated by use of the term “computing device” and/or similarterms; however, if it is determined, for some reason not immediatelyapparent, that the foregoing understanding cannot stand and that 35 §USC112 (f) therefore, necessarily is implicated by the use of the term“computing device” and/or similar terms, then, it is intended, pursuantto that statutory section, that corresponding structure, material and/oracts for performing one or more functions be understood and beinterpreted to be described at least in FIGS. 1-2 and paragraphs[0009]-[0024] of the present disclosure.

Referring now to FIG. 3, in an embodiment, first and third devices 302and 306 may be capable of rendering a graphical user interface (GUI) fora network device and/or a computing device, for example, so that auser-operator may engage in system use. Device 304 may potentially servea similar function in this illustration. Likewise, in FIG. 3, computingdevice 302 (‘first device’ in figure) may interface with computingdevice 304 (second device′ in figure), which may, for example, alsocomprise features of a client computing device and/or a server computingdevice, in an embodiment. Processor (e.g., processing device) 320 andmemory 322, which may comprise primary memory 324 and secondary memory326, may communicate by way of a communication bus 315, for example. Theterm “computing device,” in the context of the present disclosure,refers to a system and/or a device, such as a computing apparatus, thatincludes a capability to process (e.g., perform computations) and/orstore digital content, such as electronic files, electronic documents,measurements, text, images, video, audio, etc. in the form of signalsand/or states. Thus, a computing device, in the context of the presentdisclosure, may comprise hardware, software, firmware, or anycombination thereof (other than software per se). Computing device 304,as depicted in FIG. 3, is merely one example, and claimed subject matteris not limited in scope to this particular example.

For one or more embodiments, a computing device may comprise, forexample, any of a wide range of digital electronic devices, including,but not limited to, desktop and/or notebook computers, high-definitiontelevisions, digital versatile disc (DVD) and/or other optical discplayers and/or recorders, game consoles, satellite television receivers,cellular telephones, tablet devices, wearable devices, personal digitalassistants, mobile audio and/or video playback and/or recording devices,or any combination of the foregoing. Further, unless specifically statedotherwise, a process as described, such as with reference to flowdiagrams and/or otherwise, may also be executed and/or affected, inwhole or in part, by a computing device and/or a network device. Adevice, such as a computing device and/or network device, may vary interms of capabilities and/or features. Claimed subject matter isintended to cover a wide range of potential variations. For example, adevice may include a numeric keypad and/or other display of limitedfunctionality, such as a monochrome liquid crystal display (LCD) fordisplaying text, for example. In contrast, however, as another example,a web-enabled device may include a physical and/or a virtual keyboard,mass storage, one or more accelerometers, one or more gyroscopes, globalpositioning system (GPS) and/or other location-identifying typecapability, and/or a display with a higher degree of functionality, suchas a touch-sensitive color 2D or 3D display, for example.

As suggested previously, communications between a computing deviceand/or a network device and a wireless network may be in accordance withknown and/or to be developed network protocols including, for example,global system for mobile communications (GSM), enhanced data rate forGSM evolution (EDGE), 802.11b/g/n/h, etc., and/or worldwideinteroperability for microwave access (WiMAX). A computing device and/ora networking device may also have a subscriber identity module (SIM)card, which, for example, may comprise a detachable or embedded smartcard that is able to store subscription content of a user, and/or isalso able to store a contact list. A user may own the computing deviceand/or network device or may otherwise be a user, such as a primaryuser, for example. A device may be assigned an address by a wirelessnetwork operator, a wired network operator, and/or an Internet ServiceProvider (ISP). For example, an address may comprise a domestic orinternational telephone number, an Internet Protocol (IP) address,and/or one or more other identifiers. In other embodiments, a computingand/or communications network may be embodied as a wired network,wireless network, or any combinations thereof.

A computing and/or network device may include and/or may execute avariety of now known and/or to be developed operating systems,derivatives and/or versions thereof, including computer operatingsystems, such as Windows, iOS, Linux, a mobile operating system, such asiOS, Android, Windows Mobile, and/or the like. A computing device and/ornetwork device may include and/or may execute a variety of possibleapplications, such as a client software application enablingcommunication with other devices. For example, one or more messages(e.g., content) may be communicated, such as via one or ore protocols,now known and/or later to be developed, suitable for communication ofemail, short message service (SMS), and/or multimedia message service(MMS), including via a network, such as a social network, formed atleast in part by a portion of a computing and/or communications network,including, but not limited to, Facebook, LinkedIn, Twitter, Flickr,and/or Google+, to provide only a few examples. A computing and/ornetwork device may also include executable computer instructions toprocess and/or communicate digital content, such as, for example,textual content, digital multimedia content, and/or the like. Acomputing and/or network device may also include executable computerinstructions to perform a variety of possible tasks, such as browsing,searching, playing various forms of digital content, including locallystored and/or streamed video, and/or games such as, but not limited to,fantasy sports leagues. The foregoing is provided merely to illustratethat claimed subject matter is intended to include a wide range ofpossible features and/or capabilities.

In FIG. 3, computing device 302 may provide one or more sources ofexecutable computer instructions in the form physical states and/orsignals (e.g., stored in memory states), for example. Computing device302 may communicate with computing device 304 by way of a networkconnection, such as via network 308, for example. As previouslymentioned, a connection, while physical, may not necessarily betangible. Although computing device 304 of FIG. 3 shows varioustangible, physical components, claimed subject matter is not limited toa computing devices having only these tangible components as otherimplementations and/or embodiments may include alternative arrangementsthat may comprise additional tangible components or fewer tangiblecomponents, for example, that function differently while achievingsimilar results. Rather, examples are provided merely as illustrations.It is not intended that claimed subject matter be limited in scope toillustrative examples.

Memory 322 may comprise any non-transitory storage mechanism. Memory 322may comprise, for example, primary memory 324 and secondary memory 326,additional memory circuit mechanisms, or combinations thereof may beused. Memory 322 may comprise, for example, random access memory, readonly memory, etc., such as in the form of one or more storage devicesand/or systems, such as, for example, a disk drive including an opticaldisc drive, a tape drive, a solid-state memory drive, etc., just to namea few examples.

Memory 322 may be utilized to store a program of executable computerinstructions. For example, processor 320 may fetch executableinstructions from memory and proceed to execute the fetchedinstructions. Memory 322 may also comprise a memory controller foraccessing device readable-medium 340 that may carry and/or makeaccessible digital content, which may include code, and/or instructions,for example, executable by processor 320 and/or some other device, suchas a controller, as one example, capable of executing computerinstructions, for example. Under direction of processor 320, anon-transitory memory, such as memory cells storing physical states(e.g., memory states), comprising, for example, a program of executablecomputer instructions, may be executed by processor 320 and able togenerate signals to be communicated via a network, for example, aspreviously described. Generated signals may also be stored in memory,also previously suggested.

Memory 322 may store electronic files and/or electronic documents, suchas relating to one or more users, and may also comprise adevice-readable medium that may carry and/or make accessible content,including code and/or instructions, for example, executable by processor320 and/or some other device, such as a controller, as one example,capable of executing computer instructions, for example. As previouslymentioned, the term electronic file and/or the term electronic documentare used throughout this document to refer to a set of stored memorystates and/or a set of physical signals associated in a manner so as tothereby form an electronic file and/or an electronic document. That is,it is not meant to implicitly reference a particular syntax, formatand/or approach used, for example, with respect to a set of associatedmemory states and/or a set of associated physical signals. It is furthernoted an association of memory states, for example, may be in a logicalsense and not necessarily in a tangible, physical sense. Thus, althoughsignal and/or state components of an electronic file and/or electronicdocument, are to be associated logically, storage thereof, for example,may reside in one or more different places in a tangible, physicalmemory, in an embodiment.

Algorithmic descriptions and/or symbolic representations are examples oftechniques used by those of ordinary skill in the signal processingand/or related arts to convey the substance of their work to othersskilled in the art. An algorithm is, in the context of the presentdisclosure, and generally, is considered to be a self-consistentsequence of operations and/or similar signal processing leading to adesired result. In the context of the present disclosure, operationsand/or processing involve physical manipulation of physical quantities.Typically, although not necessarily, such quantities may take the formof electrical and/or magnetic signals and/or states capable of beingstored, transferred, combined, compared, processed and/or otherwisemanipulated, for example, as electronic signals and/or states making upcomponents of various forms of digital content, such as signalmeasurements, text, images, video, audio, etc.

It has proven convenient at times, principally for reasons of commonusage, to refer to such physical signals and/or physical states as bits,values, elements, parameters, symbols, characters, terms, numbers,numerals, measurements, content and/or the like. It should beunderstood, however, that all of these and/or similar terms are to beassociated with appropriate physical quantities and are merelyconvenient labels. Unless specifically stated otherwise, as apparentfrom the preceding discussion, it is appreciated that throughout thisspecification discussions utilizing terms such as “processing,”“computing,” “calculating,” “determining”, “establishing”, “obtaining”,“identifying”, “selecting”, “generating”, and/or the like may refer toactions and/or processes of a specific apparatus, such as a specialpurpose computer and/or a similar special purpose computing and/ornetwork device. In the context of this specification, therefore, aspecial purpose computer and/or a similar special purpose computingand/or network device is capable of processing, manipulating and/ortransforming signals and/or states, typically in the form of physicalelectronic and/or magnetic quantities, within memories, registers,and/or other storage devices, processing devices, and/or display devicesof the special purpose computer and/or similar special purpose computingand/or network device. In the context of this particular disclosure, asmentioned, the term “specific apparatus” therefore includes a generalpurpose computing and/or network device, such as a general purposecomputer, once it is programmed to perform particular functions, such aspursuant to program software instructions.

In some circumstances, operation of a memory device, such as a change instate from a binary one to a binary zero or vice-versa, for example, maycomprise a transformation, such as a physical transformation. Withparticular types of memory devices, such a physical transformation maycomprise a physical transformation of an article to a different state orthing. For example, but without limitation, for some types of memorydevices, a change in state may involve an accumulation and/or storage ofcharge or a release of stored charge. Likewise, in other memory devices,a change of state may comprise a physical change, such as atransformation in magnetic orientation. Likewise, a physical change maycomprise a transformation in molecular structure, such as fromcrystalline form to amorphous form or vice-versa. In still other memorydevices, a change in physical state may involve quantum mechanicalphenomena, such as, superposition, entanglement, and/or the like, whichmay involve quantum bits (qubits), for example. The foregoing is notintended to be an exhaustive list of all examples in which a change instate from a binary one to a binary zero or vice-versa in a memorydevice may comprise a transformation, such as a physical, butnon-transitory, transformation. Rather, the foregoing is intended asillustrative examples.

Referring again to FIG. 3, processor 320 may comprise one or morecircuits, such as digital circuits, to perform at least a portion of acomputing procedure and/or process. By way of example, but notlimitation, processor 320 may comprise one or more processors, such ascontrollers, microprocessors, microcontrollers, application specificintegrated circuits, digital signal processors, programmable logicdevices, field programmable gate arrays, the like, or any combinationthereof. In various implementations and/or embodiments, processor 320may perform signal processing, typically substantially in accordancewith fetched executable computer instructions, such as to manipulatesignals and/or states, to construct signals and/or states, etc., withsignals and/or states generated in such a manner to be communicatedand/or stored in memory, for example.

FIG. 3 also illustrates device 304 as including a component 332 operablewith input/output devices, for example, so that signals and/or statesmay be appropriately communicated between devices, such as device 304and an input device and/or device 304 and an output device. A user maymake use of an input device, such as a computer mouse, stylus, trackball, keyboard, and/or any other similar device capable of receivinguser actions and/or motions as input signals. Likewise, a user may makeuse of an output device, such as a display, a printer, etc., and/or anyother device capable of providing signals and/or generating stimuli fora user, such as visual stimuli, audio stimuli and/or other similarstimuli.

In the preceding description, various aspects of claimed subject matterhave been described. For purposes of explanation, specifics, such asamounts, systems and/or configurations, as examples, were set forth. Inother instances, well-known features were omitted and/or simplified soas not to obscure claimed subject matter. While certain features havebeen illustrated and/or described herein, many modifications,substitutions, changes and/or equivalents will now occur to thoseskilled in the art. It is, therefore, to be understood that the appendedclaims are intended to cover all modifications and/or changes as fallwithin claimed subject matter.

What is claimed is:
 1. A method of executing computer instructions on atleast one computing device in which the at least one computing deviceincludes at least one processor and at least one memory, comprising:fetching computer instructions from the at least one memory of the atleast one computing device for execution on the at least one processorof the at least one computing device; executing the fetched computerinstructions on the at least one processor of the at least one computingdevice; and storing in the at least one memory of the at least onecomputing device any results of having executed the fetched computerinstructions on the at least one processor of the at least one computingdevice; wherein the computer instructions to be executed compriseinstructions for instant bank account crediting via a bill-validatingdepositing system; wherein the executing the fetched computerinstructions further comprises: authenticating, via the bill-validatingdepositing system, a merchant as a legitimate depositor for one or morefinancial accounts of a financial entity accessible over an electronicnetwork; receiving, via the bill-validating depositing system, from theauthenticated merchant currency as a deposit for a provision of goodsand/or services; and communicating, via the bill-validating depositingsystem and the electronic network, deposit-related content to a serverfor obtaining immediate credit for the deposit by the authenticatedmerchant; and wherein the storing in the at least one memory of the atleast one computing device any results of having executed the fetchedcomputer instructions on the at least one processor of the at least onecomputing device comprises: storing immediate credit details in the atleast one memory of the at least one computing device, the immediatecredit details resulting from the execution of the fetched computerinstructions on the at least one processor of the at least one computingdevice.
 2. The method of claim 1, wherein the deposit-related content iscommunicated via the electronic network to a server for receiving animmediate acknowledgement from the financial entity indicating that thecredit has been given to the authenticated merchant.
 3. The method ofclaim 2, wherein the server comprises a provisional cash serverassociated with a provisional cash bank.
 4. The method of claim 1,wherein the immediate credit allows the authenticated merchant toimmediately access one or more financial instruments equal in value tothe deposit.
 5. The method of claim 4, wherein the one or more financialinstruments comprise at least one of the following: the currencyavailable via an automated teller machine (ATM); electronic fundsavailable via the one or more financial accounts; credit available fromthe financial entity; or any combination thereof.
 6. The method of claim1, wherein the financial entity comprises at least one of the following:a bank of the authenticated merchant; a provisional cash bank; aprovisional cash service; a virtual vault; a pseudo branch; or anycombination thereof.
 7. The method of claim 1, wherein thebill-validating depositing system is located remotely from the financialentity.
 8. The method of claim 1, wherein the one or more financialaccounts comprise at least one of the following: a checking account; asavings account; a credit account; a sweep account; or any combinationthereof.
 9. The method of claim 1, wherein the bill-validatingdepositing system comprises a smart safe.
 10. The method of claim 1,wherein the deposit-related content is communicated in real time or nearreal time.
 11. The method of claim 1, wherein the executing the fetchedcomputer instructions further comprises generating a receipt and/orreport for the deposit to be furnished to the authenticated merchant.12. The method of claim 11, wherein the receipt and/or report isfurnished to the authenticated merchant in real time or near real time.13. The method of claim 1, wherein the credit comprises provisionalcredit to be reconciled and/or balanced with the deposit.
 14. The methodof claim 1, wherein the method of executing the computer instructions isimplemented in connection with an armored car service employing acourier for physically transporting the currency to the financialentity.
 15. The method of claim 1, wherein the electronic networkcomprises at least one of the following: a wireless network; a wirednetwork; or any combination thereof.
 16. An apparatus comprising: atleast one computing device, the at least one computing device includingat least one processor and at least one memory; the at least onecomputing device to execute computer instructions on the at least oneprocessor, the computer instructions to be executed having been fetchedfrom the at least one memory for execution on the at least one processorand the at least one computing device to store in the at least onememory of the at least one computing device any results to be generatedfrom the execution on the at least one processor of the to be executedcomputer instructions; wherein the computer instructions to be executedto comprise instructions to receive an immediate credit via abill-validating depositing system; wherein the instructions to beexecuted as a result of the execution to: authenticate, via thebill-validating depositing system, a merchant as a legitimate depositorfor one or more financial accounts of a financial entity to beaccessible over an electronic network; receive, via the bill-validatingdepositing system, from the authenticated merchant currency as a depositfor a provision of goods and/or services; and communicate, via thebill-validating depositing system and the electronic network,deposit-related content to a server to obtain the immediate credit forthe deposit by the authenticated merchant.
 17. The apparatus of claim16, wherein the deposit-related content is to be communicated via theelectronic network to a server for a receipt of an immediateacknowledgement from the financial entity to indicate that the credithas been given to the authenticated merchant.
 18. The apparatus of claim16, wherein the immediate credit is to allow the authenticated merchantto immediately access one or more financial instruments to be equal invalue to the deposit.
 19. An article comprising: a non-transitorycomputing storage medium having stored thereon instructions executableby at least one computing device, the at least one computing devicecomprising at least one processor and at least one memory to: executecomputer instructions on the at least one processor, the computerinstructions to be executed having been fetched from the at least onememory for execution on the at least one processor and the at least onecomputing device to store in the at least one memory of the at least onecomputing device any results to be generated from the execution on theat least one processor of the to be executed computer instructions;wherein the computer instructions to be executed to compriseinstructions to receive an immediate credit via a bill-validatingdepositing system; wherein the instructions to be executed as a resultof the execution to: authenticate, via the bill-validating depositingsystem, a merchant as a legitimate depositor for one or more financialaccounts of a financial entity to be accessible over an electronicnetwork; receive, via the bill-validating depositing system, from theauthenticated merchant currency as a deposit for a provision of goodsand/or services; and communicate, via the bill-validating depositingsystem and the electronic network, deposit-related content to a serverto obtain the immediate credit for the deposit by the authenticatedmerchant.
 20. The article of claim 19, wherein the immediate credit isto allow the authenticated merchant to immediately access one or morefinancial instruments to be equal in value to the deposit.